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Equal Housing Lender

Equal Housing Lender logo

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

The Federal Fair Housing Act

The Fair Housing Act prohibits discrimination by direct providers of housing, such as landlords and real estate companies as well as other entities, such as municipalities, banks or other lending institutions and homeowners insurance companies whose discriminatory practices make housing unavailable to persons because of:

  • race or color
  • religion
  • sex
  • national origin
  • familial status, or
  • disability

In cases involving discrimination in mortgage loans or home improvement loans, the Department may file suit under both the Fair Housing Act and the Equal Credit Opportunity Act.

Under the Fair Housing Act, the Department of Justice may bring lawsuits where there is reason to believe that a person or entity is engaged in a ’’pattern or practice’’ of discrimination or where a denial of rights to a group of persons raises an issue of general public importance.

Where force or threat of force is used to deny or interfere with fair housing rights, the Department of Justice may institute criminal proceedings.

The Fair Housing Act also provides procedures for handling individual complaints of discrimination. Individuals who believe that they have been victims of an illegal housing practice, may file a complaint with the Department of Housing and Urban Development [HUD] or file their own lawsuit in federal or state court. The Department of Justice brings suits on behalf of individuals based on referrals from HUD.

The Equal Opportunity Act

The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

How to submit a complaint

Fair Housing Act

If you believe you have been discriminated against, you should send a complaint to:

Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing and Urban Development, Washington, DC, 20410

for processing under the Federal Fair Housing Act

and to:

Division of Consumer & Community Affairs, Federal Reserve Board, Washington, DC, 20551

for processing under Federal Reserve regulations.

Equal Credit Opportunity Act

If you believe you have been discriminated against, you should send a complaint to:

Division of Consumer & Community Affairs, Federal Reserve Board, Washington, DC, 20551